church repair insurance if you live near one!! advice wanted
Discussion
The Church repair costs would be divided up amongst the homes in the vicinity affected by the chancel clause. Those who have chancel insurance could claim for their portion, those who do not would have to pay themselves.
Still no one has answered 'why' the Inland Revenge has to be notified?!? I didn't and my Solicitor certainly never mentioned it.
Still no one has answered 'why' the Inland Revenge has to be notified?!? I didn't and my Solicitor certainly never mentioned it.
And how often has this happened ? Is the Church of England and its Head so mean that it would take ordinary non god fearing people to the cleaners, just to keep their ill used edifices in use for the benefit of a small minority and some oddly inclined people. Another scam by the C of E
Scottowner said:
Is the Church of England and its Head so mean that it would take ordinary non god fearing people to the cleaners, just to keep their ill used edifices in use for the benefit of a small minority and some oddly inclined people.
Well they've creamed all the cash out of the believers already...Vron said:
The Church repair costs would be divided up amongst the homes in the vicinity affected by the chancel clause. Those who have chancel insurance could claim for their portion, those who do not would have to pay themselves.
That's not correct. The church can do it that way or they can select any one or more of the properties affected and get them tp pay the whole lot!Time for an update to the law I think. If you house in built on land owned by the church, I can see a (tenuous) link, but just because you live nearby. Fark-orf. I am 100% atheist. I have no problem whatsoever with religion, but when it starts to interfere with my life then I draw the line and this takes the piss. There's no way I'd be funding religion. ECHR...?
http://www.chancel.org.uk/chancel-repair-liability...
..Government have intervened and a Transitional Provisions Order was made which came into effect on the 13th October 2003. This order effectively means that ALL chancel repair obligations will cease on the 13th October 2013 unless a the chancel of any Church has noted their interest in any particular property or land with the land registry before this date.
Unfortunately this legislation means that the likely hood of a claim and liability being noted with the inland revenue as Churches will look to either protect their interests or 'cash' in now on any liabilities.
..Government have intervened and a Transitional Provisions Order was made which came into effect on the 13th October 2003. This order effectively means that ALL chancel repair obligations will cease on the 13th October 2013 unless a the chancel of any Church has noted their interest in any particular property or land with the land registry before this date.
Unfortunately this legislation means that the likely hood of a claim and liability being noted with the inland revenue as Churches will look to either protect their interests or 'cash' in now on any liabilities.
Is there any way to get such a thing off the deeds once it's on?
Along the lines of set up an offshore company, sell thte house to them, then buy it back without the liability on the deeds (i.e. leave the liability with the offshore company), then wind up the offshore company, thus dumping the liability?
Along the lines of set up an offshore company, sell thte house to them, then buy it back without the liability on the deeds (i.e. leave the liability with the offshore company), then wind up the offshore company, thus dumping the liability?
Unfortunately your opinion / religious standing has no effect.
If (and I agree its a big if) the Church want to claim from you and your house is built on land once owned by the Church and thus has a Chancel Clause then you are liable.
It doesn't cost you anything for the policy if you get the vendor of the house you are having the search done on to buy it as part of the deal so I can't see what the problem is. Even if you buy it yourself its only c£100 for a successor policy.
Apparently the Church have set up teams of people at a cost of £500K to make sure any potential properties are registered to avoid the 2013 deadline.
If (and I agree its a big if) the Church want to claim from you and your house is built on land once owned by the Church and thus has a Chancel Clause then you are liable.
It doesn't cost you anything for the policy if you get the vendor of the house you are having the search done on to buy it as part of the deal so I can't see what the problem is. Even if you buy it yourself its only c£100 for a successor policy.
Apparently the Church have set up teams of people at a cost of £500K to make sure any potential properties are registered to avoid the 2013 deadline.
Edited by Vron on Friday 28th August 14:27
I dont think it has to be mentioned in your deeds its whether it comes up on the search of houses within the chancel boundary of which yours may be. My house overlooks the Church so that immediately alerted me. The previous owners (say) they had no knowledge and were very difficult about buying the policy as it was such a minute risk.
The relationship of your property to the distance of the church has no bearing on whether chancel liability will affect it. You have to remember when these things were brought about the landowner owned great swathes of land and often gave random portions to the church that many of them had built. Subesequently these had been sold of for properties to be built on and because deeds as we know them know never existed, only the church knows whether your property has a chancel liability. If in any doubt for the sake of £100 its hardly worth the risk.
My daughter is in a similar position,solicitor is enquiring if she wants Indemnity Insurance.
The premium is a one-off payment to cover a limited indemnity of £1,000,000.
Due for a meeting with the solicitor next week,so will find out more about it then,although it appears the sellers have this cover it is not transferrable to new owners.
The premium is a one-off payment to cover a limited indemnity of £1,000,000.
Due for a meeting with the solicitor next week,so will find out more about it then,although it appears the sellers have this cover it is not transferrable to new owners.
I've just had this come up on the property I'm buying. £52.50 for the policy to cover me against potential claims. What gets me though is the house is in the middle of a very large residential housing estate and is literally miles away from a church. We're not taking it out as I think it's insurance for the sake of insurance.
king scandal.xr287 said:
That sounds completely wrong and immorale to me. If the church can't raise enough money to fix it themselves then obviously it isn't wanted there enough by local residents and they should get rid of it or turn it into a house/flats. Not force the payment of exorbitant amounts of money from unlucky local residents to pay for the upkeep of a building which is a benefit to only a small minority of church goers.
Madness in my opinion.
That's pretty much what I was thinking.Madness in my opinion.
Doesn't sound very "Christian" to me....
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